Under Contract
540 N Cygnet Lake Drive, Benton Harbor, MI 49022
$349,900
MLS # 26019156 (Michigan Regional Information Center (MichRIC))
3 beds3 baths1,662 sqftBuilt 20240.15 acres
1 / 68
Listing Description
Trumpeter Bay isn't just a neighborhood -- it's a lifestyle built around the water. Tucked within this sought-after waterfront community, this beautifully appointed 3-bedroom, 2.5-bathroom bi-level home stands out even among its peers: with a yard that gently slopes to the shoreline, offering its own private sandy beach area and effortless water access right from your backyard. Step inside and the home opens up immediately. The main level flows in an airy open-concept arrangement, where a well-equipped kitchen with granite countertops, a crisp white subway tile backsplash, and LG stainless steel appliances connects seamlessly to the living area beneath vaulted ceilings. A dedicated pantry adds the extra storage every kitchen deserves. Whether you're cooking or entertaining, the water is never far from view -- and when the mood strikes, sliding doors open directly onto a newer deck perfectly positioned to soak in the scenery beyond.
Source: SparkMLS
About this home
This 3-bedroom, 3-bath, 1,662 sq ft home built in 2024 sits in Benton Township in Benton Harbor.
Listed at $349,900 (about $211/sq ft).
Estimated annual property tax: $5,049, or about $421 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Indiana Michigan Power Company; natural gas by Michigan Gas Utilities Corporation.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Living Area1,662 sqft
Lot Size0.15 acres
Year Built2024
Stories2
Location
CityBenton Harbor
MunicipalityBenton Charter Twp
Zip Code49022
CountyBerrien
School DistrictBenton Harbor
Construction & Systems
ConstructionVinyl Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, High-Speed Internet
InteriorGarage Door Opener, Center Island, Pantry
Sale & Financing
Listed4/30/2026
Original Price$359,000
Terms AcceptedCash, Conventional
HOA
HOA Fee$525 / Quarterly
IncludesSnow Removal, Lawn/Yard Care
Source: SparkMLS
Tax Information
Annual Tax$5,049
Tax Year2025
Assessed Value$156,324
Parcel #11-03-7701-0017-00-0
Source: SparkMLS
Legal Description
CONDO ON 09/08/2020 FROM 03-0106-0010-03-5; UNIT 17 TRUMPETER BAY II CONDOMINIUM LIBER 120 PAGE 127
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Jason Stroud Team
Ellsbury Group
Frequently Asked Questions about 540 N Cygnet Lake Drive, Benton Harbor, MI 49022
What school district is 540 N Cygnet Lake Drive, Benton Harbor, MI 49022 in?
Per MLS# 26019156, this property is served by Benton Harbor. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 540 N Cygnet Lake Drive, Benton Harbor, MI 49022?
Per MLS# 26019156, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26019156, the most recent reported annual property tax for 540 N Cygnet Lake Drive, Benton Harbor, MI 49022 is $5,049 (2025). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Is 540 N Cygnet Lake Drive, Benton Harbor, MI 49022 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 540 N Cygnet Lake Drive, Benton Harbor, MI 49022 is in flood zone X (minimal risk). Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Who are the utility providers for this property?
Per Michigan Public Service Commission service territory data: Electric: Indiana Michigan Power Company. Gas: Michigan Gas Utilities Corporation. Sewer: Public. Water: Public. Confirm service details directly with providers.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Benton Charter Twp police department or the Berrien County sheriff's office.
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Monthly payment$2,444
Principal & interest$2,269
HOA$175
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Indiana Michigan Power Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
540 N Cygnet Lake Drive, Benton Harbor, MI 49022
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Municipality
Benton Township
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